The bill proposes amendments to the General Laws in Chapter 27-18, "Accident and Sickness Insurance Policies," to expand coverage for infertility treatments and genetic testing. It requires health insurance contracts, plans, or policies in the state that offer pregnancy-related benefits to cover the diagnosis and treatment of infertility for women aged 25 to 42 years, including preimplantation genetic diagnosis (PGD) with in vitro fertilization (IVF), and fertility-preservation services when treatment may lead to iatrogenic infertility. The bill sets a lifetime coverage cap of $100,000 for these services and defines relevant terms such as infertility and PGD. It also prohibits the release of genetic information without written consent, except for research under The Common Rule, and prevents discrimination based on genetic tests or results in insurance coverage or rates.

Furthermore, the bill amends laws related to "Nonprofit Hospital Service Corporations" and "Nonprofit Medical Service Corporations" to include similar coverage for infertility diagnosis and treatment, with a copayment not exceeding 20% for infertility treatment programs and procedures. It defines genetic testing, excludes routine physical measurements and tests for drugs or HIV, and clarifies that health insurance must cover infertility diagnosis and treatment, including PGD, for the specified age group of women. The bill also includes new legal language for the definition of PGD and the coverage of infertility treatments, as well as the regulations on genetic testing. The act is set to take effect on January 1, 2025.